FORMATION OF DOMESTIC PAYMENT INFRASTRUCTURE FOR AGRICULTURAL ENTERPRISES IN THE ERA OF TECHNOLOGICAL TRANSFORMATION OF INDUSTRY 4.0

Issue № 6, 2026, article № 15, pages 175-183

Section:

Language: Russian

Original language title: ФОРМИРОВАНИЕ ОТЕЧЕСТВЕННОЙ ПЛАТЕЖНОЙ ИНФРАСТРУКТУРЫ СЕЛЬСКОХОЗЯЙСТВЕННЫХ ОРГАНИЗАЦИЙ В ЭПОХУ ТЕХНОЛОГИЧЕСКОЙ ТРАНСФОРМАЦИИ ИНДУСТРИИ 4.0

Keywords: 0, PAYMENT, SYSTEM, INFRASTRUCTURE, DIGITALIZATION, INDUSTRY 4, TECHNOLOGY, CURRENCY, REGULATOR, OPERATION, MEANING, PURPOSE

Abstract: Relevance of the topic. Amid the digitalization of the economy and the impact of the Fourth Industrial Revolution, the Russian payment system faces new challenges requiring modernization and effective government regulation. This makes the study of its transformation and adaptation to modern conditions extremely relevant. Problem Statement. Currently, existing indicators and mechanisms for assessing the Russian payment system are insufficient to adequately reflect its current state and development trends. This situation complicates the formulation of effective policies and decision-making necessary for the development and optimization of the national payment system. Research Objectives and Methods. The primary objective of the study is to identify key vectors of transformation in the payment system of agricultural enterprises in Russia, as well as to determine criteria and promising areas for its development in the context of digitalization. To achieve this goal, institutional, evolutionary, and systemic methodologies were used. The analysis included a study of the organizational structure, infrastructure, and regulatory mechanisms, as well as an assessment of the current payment system indicators. Results. The study revealed a discrepancy between currently used indicators, which do not fully reflect the fundamental characteristics and current state of the national payment system. New indicators and parameters for analysis have been developed that better align with the current requirements and objectives of the Strategic Plan for the Development of the National Payment System for 2025-2026. Key findings: For the Russian payment system to progress in the context of global digital transformation, the adaptation and modernization of its regulatory mechanisms is essential, which will positively impact the transformation of the agricultural sector. The application of new parameters will have a positive impact on the diagnostics and strategic development of the system, promoting its sustainability and effectiveness in a rapidly changing and complex financial business environment.

Authors: Tolmachev Mikhail Nikolaevich, Lyalkova Evgeniya Evgenievna, Nikiforova Elena Vladimirovna, Schneider Olga Vladimirovna, Schneider Victor Viktorovich